The RAL must be repaid even if the taxpayer's refund is denied, smaller than expected or frozen. If the taxpayer cannot pay back the RAL, the lender may send the account to a debt collector, which will likely show up on the taxpayer's credit report.

If a taxpayer files electronically, he'll get his refund almost as fast as he would with a RAL, and he'll often get it without paying any fees or interest.

People sometimes think of a tax refund as forced savings, yet, in reality, the taxpayer has provided a loan to the government without earning any interest. If a refund is substantial, check with the human resources department at work to adjust withholding to better match your tax liability.

How do clays and carbonates form in frozen comets where there isn't liquid water? Nobody expected this.

Reading gardens are a beautiful, fresh way for communities to enjoy green spaces with lasting positive impact for children and adults.

I am foursquare against anyone getting a refund. Become more financially disciplined all year round, and keep that money for yourself.